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    <p style="text-align: center; line-height: 12pt; margin: 0pt 0pt 0.0001pt; font-family: 'Times New Roman'; font-size: 10.5pt;"><strong><span style="font-family: 楷体_GB2312; font-size: 12.0000pt;"><span style="font-family: 楷体_GB2312;">开立银行账户法律责任告知书</span> </span></strong></p>
<p style="text-indent: 20pt; line-height: 10pt; margin: 0pt 0pt 0.0001pt; text-align: justify; font-family: 'Times New Roman'; font-size: 10.5pt;"><span style="font-family: 仿宋_GB2312; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">请依法依规开立、使用银行账户，包括个人、单位的银行结算账户。开立、使用银行账户不得有下列行为：</span></span></p>
<ul style="margin-top: 0px; margin-bottom: 0px;">
  <li class="MsoNormal" style="line-height: 10pt;"><span style="font-family: 仿宋_GB2312; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">将开立的银行账户用于转移违法犯罪资金，包括冒充公检法实施诈骗、网络刷单诈骗、网络贷款诈骗、投资理财诈骗、跑分诈骗等电信网络新型违法犯罪活动；</span></span></li>
  <li class="MsoNormal" style="line-height: 10pt;"><span style="font-family: 仿宋_GB2312; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">明知他人将银行账户用于实施违法犯罪活动仍提供银行账户供其使用；</span></span></li>
  <li class="MsoNormal" style="line-height: 10pt;"><span style="font-family: 仿宋_GB2312; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">买卖、出租、出借银行账户，提供实名核验帮助，假冒他人身份或者虚构代理关系开立银行账户；</span></span></li>
  <li class="MsoNormal" style="line-height: 10pt;"><span style="font-family: 仿宋_GB2312; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">帮助他人通过虚拟货币交易等方式洗钱；</span></span></li>
  <li class="MsoNormal" style="line-height: 10pt;"><span style="font-family: 仿宋_GB2312; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">其他法律法规所禁止的行为。</span></span></li>
</ul>
<p style="text-indent: 20pt; line-height: 10pt; margin: 0pt 0pt 0.0001pt; text-align: justify; font-family: 'Times New Roman'; font-size: 10.5pt;"><span style="font-family: 仿宋_GB2312; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">有上述行为之一，涉嫌构成诈骗罪、帮助信息网络犯罪活动罪、洗钱罪等，将根据《中华人民共和国刑法》追究</span></span><strong><span style="font-family: 仿宋_GB2312; font-weight: bold; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">刑事责任</span></span></strong><span style="font-family: 仿宋_GB2312; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">；尚不构成犯罪的根据《中华人民共和国反电信网络诈骗法》第三十八条、第四十四条等追究</span></span><strong><span style="font-family: 仿宋_GB2312; font-weight: bold; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">行政责任</span></span></strong><span style="font-family: 仿宋_GB2312; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">；除依法承担刑事责任、行政责任以外，造成他人损害的，依照《中华人民共和国民法典》等法律的规定承担</span></span><strong><span style="font-family: 仿宋_GB2312; font-weight: bold; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">民事责任</span></span></strong><span style="font-family: 仿宋_GB2312; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">。同时，属于《电信网络诈骗及其关联违法犯罪联合惩戒办法》第三条规定情形之一的人群，将受到记入征信记录、限制名下银行账户功能、停止支付账户业务，限制名下电话卡、涉诈风险互联网账号功能等</span></span><strong><span style="font-family: 仿宋_GB2312; font-weight: bold; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">惩戒措施</span></span></strong><span style="font-family: 仿宋_GB2312; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">。</span></span></p>
<p style="text-indent: 20pt; line-height: 10pt; margin: 0pt 0pt 0.0001pt; text-align: justify; font-family: 'Times New Roman'; font-size: 10.5pt;"><span style="font-family: 仿宋_GB2312; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">欢迎大家拔打警方防骗咨询热线（</span><span style="font-family: 仿宋_GB2312;">96110转8）举报涉嫌买卖或违法使用银行账户行为。</span></span></p>
<p style="text-indent: 20.1pt; line-height: 10pt; margin: 0pt 0pt 0.0001pt; text-align: justify; font-family: 'Times New Roman'; font-size: 10.5pt;"><strong><span style="font-family: 仿宋_GB2312; font-weight: bold; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">部分法律、法规条款如下：</span></span></strong></p>
<p style="text-indent: 20.1pt; line-height: 10pt; margin: 0pt 0pt 0.0001pt; text-align: justify; font-family: 'Times New Roman'; font-size: 10.5pt;"><strong><span style="font-family: 仿宋_GB2312; font-weight: bold; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">刑事责任</span></span></strong></p>
<p style="text-indent: 20pt; line-height: 10pt; margin: 0pt 0pt 0.0001pt; text-align: justify; font-family: 'Times New Roman'; font-size: 10.5pt;"><span style="font-family: 仿宋_GB2312; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">一、《刑法》第二百八十七条之二：明知他人利用信息网络实施犯罪，为其犯罪提供互联网接入、服务器托管、网络存储、通讯传输等技术支持，或者</span></span><strong><span style="font-family: 仿宋_GB2312; font-weight: bold; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">提供</span></span></strong><span style="font-family: 仿宋_GB2312; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">广告推广、</span></span><strong><span style="font-family: 仿宋_GB2312; font-weight: bold; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">支付结算等帮助</span></span></strong><span style="font-family: 仿宋_GB2312; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">，情节严重的，</span></span><strong><span style="font-family: 仿宋_GB2312; font-weight: bold; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">以帮助信息网络犯罪活动罪，处三年以下有期徒刑或者拘役，并处或者单处罚金</span></span></strong><span style="font-family: 仿宋_GB2312; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">。</span></span></p>
<p style="text-indent: 20pt; line-height: 10pt; margin: 0pt 0pt 0.0001pt; text-align: justify; font-family: 'Times New Roman'; font-size: 10.5pt;"><span style="font-family: 仿宋_GB2312; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">单位犯前款罪的，对单位判处罚金，并对其直接负责的主管人员和其他直接责任人员，依照第一款的规定处罚。</span></span></p>
<p style="text-indent: 20pt; line-height: 10pt; margin: 0pt 0pt 0.0001pt; text-align: justify; font-family: 'Times New Roman'; font-size: 10.5pt;"><span style="font-family: 仿宋_GB2312; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">二、最高人民法院、最高人民检察院、公安部《关于办理电信网络诈骗等刑事案件适用若干问题的意见》第四条第三款：明知他人实施电信网络诈骗犯罪而</span></span><strong><span style="font-family: 仿宋_GB2312; font-weight: bold; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">提供信用卡、资金支付结算账户</span></span></strong><span style="font-family: 仿宋_GB2312; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">、手机卡、通讯工具的，</span></span><strong><span style="font-family: 仿宋_GB2312; font-weight: bold; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">以实施电信网络诈骗犯罪共同犯罪追究刑事责任。</span></span></strong></p>
<p style="text-indent: 20.1pt; line-height: 10pt; margin: 0pt 0pt 0.0001pt; text-align: justify; font-family: 'Times New Roman'; font-size: 10.5pt;"><strong><span style="font-family: 仿宋_GB2312; font-weight: bold; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">行政责任</span></span></strong></p>
<p style="text-indent: 20pt; line-height: 10pt; margin: 0pt 0pt 0.0001pt; text-align: justify; font-family: 'Times New Roman'; font-size: 10.5pt;"><span style="font-family: 仿宋_GB2312; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">三、《反电信网络诈骗法》第三十八条：组织、策划、实施、参与电信网络诈骗活动或者为电信网络诈骗活动提供帮助，构成犯罪的，依法追究刑事责任。</span></span></p>
<p style="text-indent: 20pt; line-height: 10pt; margin: 0pt 0pt 0.0001pt; text-align: justify; font-family: 'Times New Roman'; font-size: 10.5pt;"><span style="font-family: 仿宋_GB2312; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">前款行为尚不构成犯罪的，</span></span><strong><span style="font-family: 仿宋_GB2312; font-weight: bold; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">由公安机关处十日以上十五日以下拘留；没收违法所得，处违法所得一倍以上十倍以下罚款，没有违法所得或者违法所得不足一万元的，处十万元以下罚款。</span></span></strong></p>
<p style="text-indent: 20pt; line-height: 10pt; margin: 0pt 0pt 0.0001pt; text-align: justify; font-family: 'Times New Roman'; font-size: 10.5pt;"><span style="font-family: 仿宋_GB2312; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">四、《反电信网络诈骗法》第三十一条：任何单位和个人</span></span><strong><span style="font-family: 仿宋_GB2312; font-weight: bold; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">不得非法买卖、出租、出借</span></span></strong><span style="font-family: 仿宋_GB2312; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">电话卡、物联网卡、电信线路、短信端口、</span></span><strong><span style="font-family: 仿宋_GB2312; font-weight: bold; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">银行账户、</span></span></strong><span style="font-family: 仿宋_GB2312; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">支付账户、互联网账号等，不得提供实名核验帮助；不得</span></span><strong><span style="font-family: 仿宋_GB2312; font-weight: bold; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">假冒他人身份或者虚构代理关系开立</span></span></strong><span style="font-family: 仿宋_GB2312; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">上述卡、</span></span><strong><span style="font-family: 仿宋_GB2312; font-weight: bold; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">账户</span></span></strong><span style="font-family: 仿宋_GB2312; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">、账号等。</span></span></p>
<p style="text-indent: 20pt; line-height: 10pt; margin: 0pt 0pt 0.0001pt; text-align: justify; font-family: 'Times New Roman'; font-size: 10.5pt;"><span style="font-family: 仿宋_GB2312; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">第四十四条：违反本法第三十一条第一款规定的，</span></span><strong><span style="font-family: 仿宋_GB2312; font-weight: bold; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">没收违法所得，由公安机关处违法所得一倍以上十倍以下罚款，没有违法所得或者违法所得不足二万元的，处二十万元以下罚款；情节严重的，并处十五日以下拘留。</span></span></strong></p>
<p style="text-indent: 20pt; line-height: 10pt; margin: 0pt 0pt 0.0001pt; text-align: justify; font-family: 'Times New Roman'; font-size: 10.5pt;"><span style="font-family: 仿宋_GB2312; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">五、《反电信网络诈骗法》第二十五条：任何单位和个人不得为他人实施电信网络诈骗活动提供下列支持或者帮助：</span></span></p>
<p style="text-indent: 20pt; line-height: 10pt; margin: 0pt 0pt 0.0001pt; text-align: justify; font-family: 'Times New Roman'; font-size: 10.5pt;"><span style="font-family: 仿宋_GB2312; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">（一）出售、提供个人信息；</span></span></p>
<p style="text-indent: 20pt; line-height: 10pt; margin: 0pt 0pt 0.0001pt; text-align: justify; font-family: 'Times New Roman'; font-size: 10.5pt;"><span style="font-family: 仿宋_GB2312; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">（二）</span></span><strong><span style="font-family: 仿宋_GB2312; font-weight: bold; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">帮助他人通过虚拟货币交易等方式洗钱</span></span></strong><span style="font-family: 仿宋_GB2312; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">；</span></span></p>
<p style="text-indent: 20pt; line-height: 10pt; margin: 0pt 0pt 0.0001pt; text-align: justify; font-family: 'Times New Roman'; font-size: 10.5pt;"><span style="font-family: 仿宋_GB2312; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">（三）其他为电信网络诈骗活动提供支持或者帮助的行为。</span></span></p>
<p style="text-indent: 20pt; line-height: 10pt; margin: 0pt 0pt 0.0001pt; text-align: justify; font-family: 'Times New Roman'; font-size: 10.5pt;"><span style="font-family: 仿宋_GB2312; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">第四十二条：违反本法第十四条、第二十五条第一款规定的，</span></span><strong><span style="font-family: 仿宋_GB2312; font-weight: bold; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">没收违法所得，由公安机关或者有关主管部门处违法所得一倍以上十倍以下罚款，没有违法所得或者违法所得不足五万元的，处五十万元以下罚款；情节严重的，由公安机关并处十五日以下拘留。</span></span></strong></p>
<p style="text-indent: 20.1pt; line-height: 10pt; margin: 0pt 0pt 0.0001pt; text-align: justify; font-family: 'Times New Roman'; font-size: 10.5pt;"><strong><span style="font-family: 仿宋_GB2312; font-weight: bold; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">民事责任</span></span></strong></p>
<p style="text-indent: 20pt; line-height: 10pt; margin: 0pt 0pt 0.0001pt; text-align: justify; font-family: 'Times New Roman'; font-size: 10.5pt;"><span style="font-family: 仿宋_GB2312; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">六、《反电信网络诈骗法》第四十六条：组织、策划、实施、</span></span><strong><span style="font-family: 仿宋_GB2312; font-weight: bold; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">参与电信网络诈骗活动或者为电信网络诈骗活动提供相关帮助的违法犯罪人员，除依法承担刑事责任、行政责任以外，造成他人损害的，依照《中华人民共和国民法典》等法律的规定承担民事责任。</span></span></strong></p>
<p style="text-indent: 20.1pt; line-height: 10pt; margin: 0pt 0pt 0.0001pt; text-align: justify; font-family: 'Times New Roman'; font-size: 10.5pt;"><strong><span style="font-family: 仿宋_GB2312; font-weight: bold; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">惩戒措施</span></span></strong></p>
<p style="text-indent: 20pt; line-height: 10pt; margin: 0pt 0pt 0.0001pt; text-align: justify; font-family: 'Times New Roman'; font-size: 10.5pt;"><span style="font-family: 仿宋_GB2312; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">七、《反电信网络诈骗法》第三十一条：任何单位和个人不得非法</span></span><strong><span style="font-family: 仿宋_GB2312; font-weight: bold; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">买卖、出租、出借</span></span></strong><span style="font-family: 仿宋_GB2312; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">电话卡、物联网卡、电信线路、短信端口、</span></span><strong><span style="font-family: 仿宋_GB2312; font-weight: bold; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">银行账户</span></span></strong><span style="font-family: 仿宋_GB2312; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">、支付账户、互联网账号等，不得</span></span><strong><span style="font-family: 仿宋_GB2312; font-weight: bold; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">提供实名核验帮助；不得假冒他人身份或者虚构代理关系开立</span></span></strong><span style="font-family: 仿宋_GB2312; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">上述卡、</span></span><strong><span style="font-family: 仿宋_GB2312; font-weight: bold; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">账户</span></span></strong><span style="font-family: 仿宋_GB2312; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">、账号等。对经设区的市级以上公安机关认定的实施前款行为的单位、个人和相关组织者，以及因从事电信网络诈骗活动或者关联犯罪受过刑事处罚的人员，可以按照国家有关规定</span></span><strong><span style="font-family: 仿宋_GB2312; font-weight: bold; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">记入信用记录，采取限制其有关</span></span></strong><span style="font-family: 仿宋_GB2312; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">卡、</span></span><strong><span style="font-family: 仿宋_GB2312; font-weight: bold; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">账户</span></span></strong><span style="font-family: 仿宋_GB2312; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">、账号等功能和</span></span><strong><span style="font-family: 仿宋_GB2312; font-weight: bold; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">停止非柜面业务、暂停新业务</span></span></strong><span style="font-family: 仿宋_GB2312; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">、限制入网等措施。</span></span></p>
<p style="text-indent: 20pt; line-height: 10pt; margin: 0pt 0pt 0.0001pt; text-align: justify; font-family: 'Times New Roman'; font-size: 10.5pt;"><span style="font-family: 仿宋_GB2312; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">八、《电信网络诈骗及其关联违法犯罪联合惩戒办法》第五条至第八条对</span></span><strong><span style="font-family: 仿宋_GB2312; font-weight: bold; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">金融惩戒、电信网络惩戒、信用惩戒</span></span></strong><span style="font-family: 仿宋_GB2312; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">措施作出具体规定。</span></span><strong><span style="font-family: 仿宋_GB2312; font-weight: bold; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">金融惩戒主要包括</span></span></strong><span style="font-family: 仿宋_GB2312; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">：限制惩戒对象名下银行账户、数字人民币钱包的非柜面出金功能，停止支付账户业务，暂停开立支付账户、实名数字人民币钱包等。</span></span><strong><span style="font-family: 仿宋_GB2312; font-weight: bold; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">电信网络惩戒主要包括：</span></span></strong><span style="font-family: 仿宋_GB2312; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">限制惩戒对象名下电话卡、物联网卡等功能及过户等业务，限制名下涉诈风险互联网账号功能及业务，不得开立新的电话卡、物联网卡等。</span></span><strong><span style="font-family: 仿宋_GB2312; font-weight: bold; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">信用惩戒措施包括：</span></span></strong><span style="font-family: 仿宋_GB2312; font-size: 10.0000pt;"><span style="font-family: 仿宋_GB2312;">将惩戒对象纳入</span><span style="font-family: 仿宋_GB2312;">&ldquo;电信网络诈骗&rdquo;严重失信主体名单并进行公示，纳入金融信用信息基础数据库（即&ldquo;征信&rdquo;）。</span></span></p>
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